Stop Leaving Money on the Table: Why You Should Use Referral Links

Imagine walking down the street and seeing a $50 bill on the ground. Would you pick it up? Of course you would.

But every day, millions of people sign up for new credit cards, bank accounts, and apps without using a referral link. In doing so, they are essentially walking past free money.

The "Direct Sign-Up" Mistake

When you go directly to a company's website (e.g., chase.com or amex.com) to apply for a card, you get the standard public offer.

• Public Offer: Earn 60,000 points after spending $4,000.

However, if you used a friend's referral link (or a link from Referbonuses.com), the offer might be the same, OR it might be better. But the key difference is that someone else also gets a bonus.

• Referral Offer: Earn 60,000 points (same as public) + Friend earns 10,000 points.

By not using a link, you denied someone (maybe a friend, maybe a stranger) a $100+ bonus. And in many cases, you missed out too.

Better Offers Through Referrals

Sometimes, referral links unlock exclusive offers that are better than what you can find publicly.

• Example: The Amex Platinum Card might have a public offer of 80,000 points. But a specific referral link might show a 100,000 or 125,000 point offer.
• Why? Banks want to incentivize their existing customers to recruit high-quality new users. They are willing to pay a premium for personal recommendations.

The "Karma" Economy

Even if the offer is exactly the same for you, using a referral link is good karma.

• If a blogger wrote a helpful review, use their link to say thanks.
• If a friend told you about a cool app, use their link to buy them a coffee (digitally).
• If you found a link on Referbonuses, you're helping a community member earn some passive income.

How to Never Miss a Bonus

1. Stop and Search: Before you click "Apply" or "Sign Up" for anything, pause.
2. Check Referbonuses: Go to Referbonuses.com and search for the company name.
3. Ask a Friend: Text your group chat: "Anyone have a link for [Service]?"

It takes 30 seconds, but it can put hundreds of dollars in your pocket (or your friend's pocket) over the course of a year.

Don't leave money on the table. Always use a link.